Compare Taxi Insurance Cardiff

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Guide to Cardiff  Taxi Insurances 

For every taxi driver in Cardiff, we understand your taxicab is your job. Making sure that your taxi insurance is tailored to your needs is essential – as your income depends on it!.

We can provide you with access to a range of quotes from a panel of specialist taxi insurance brokers that are able to tailor polices to you or your taxi or private hire business model and requirements.

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All categories of taxi insurance now available

You can obtain quotes for a wide array of cover types, which include:

  • Mini Cab : When you need to compare quotes online quickly for your minicab insurance premium.
  • Public hire insurance is one of the main categories of taxi insurance, also referred to as PCO insurance in London
  • Electric Taxi Insurance
  • Chauffeur : Do you provide an exclusive chauffeur service and need chauffeur insurance
  • A growing sector is the private hire taxi sector. Private hire drivers can not be flagged down, but must be prebooked. They have a slightly different risk profile and a range of polices exits including PHV insurance that can be paid monthly. Uber's drivers also fall into the private hire category, and Uber taxi driver insurance is also available.
  • Taxi Fleet Insurance

Levels of taxi insurance available

Similar to Birmingham taxi insurance, taxi insurance Cardiff is available at different levels of cover as we have detailed below:

  • Comprehensive is the highest level of cover that is available for any owner driver, it covers damage to not only third parties, but also damages to your own property and self.
  • Third party is the minimum cover required by UK law. This cover does not provide any protection for damage to your own vehicle or any injures to oneself resulting from an accident. Needless to say, should you be unfortunate enough to be involved in a major road accident that you are responsible for, you could easily be liable for steep costs. Do take into consideration the possible medical bills and the restoration of your motor to road worthiness or indeed replacement costs should it be a write-off.
  • Third party with Fire and Theft  In addition to third party cover is also provided for for and theft.
  • Break Down Cover : Taxi breakdown cover for private hire owner drivers and can save you many hours that would otherwise be lost had you not included it within your policy.
  • Europe : Taxi insurance for driving abroad may be added as an extra if required.

Key Names for UK Taxi Insurance 

Many insurance providers offer taxi insurance, some like Patons taxi insurance specialises in only providing taxi and private hire insurance, we have complied a list below of the top names in this insurance sector.

Tips towards cheaper Taxi Insurance in Cardiff

Insurance companies work out the cost of Cardiff taxi insurance based on a number of factors. Below we have highlighted some factors and any possible steps to consider to help lower the costs of Cardiff taxi driver insurance, but is applicable to all taxi drivers

  • Comparing quotes: is the first step to saving money, start the process by using comparative websites. Please be aware that some brokers may not offer their rates on some of these sites, so it may pay to visit individual broker sites. One of the best ways to really save money is to shop around for quotes and get different quotes, so you can compare them, this may also give you some leverage at policy renewal time. Different companies offer different policy rates, discounts and coverage, so it's better to get multiple quotes.
  • Pay your policy yearly: If you are currently paying monthly, switching to paying your policy annually should bring down the cost of your annual premium.
  • Taxi Security: If you have fitted any safety / security items from Thatcham, please insure you advise your broker, as this could result in savings on your premium.
  • Consider Fleet Cover: If you have a fleet of cabs as a business, it is generally more cost-effective with less administration task to purchase a taxi fleet insurance cover. Fleet policies will provide protection for all your vehicles under one easy to administer policy.
  • Black Box: Even for taxi drivers, adding or complying with the insurance company telemetric request can help significantly lower the cots of Cardiff taxi or private hire insurance( if the data is favourable ) 

Useful Links: 

Get started with your Cardiff Taxi Insurance Quote

  • Policies can be Tailored to your business requirements
  • One short form – save time & money
  • Quotes from UK & NI insurance providers
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Taxi Insurance Cardiff

Taxi Insurance FAQ's


Does my taxi insurance cover me for driving other cars?

Taxi insurance provides cover only for the vehicles listed on the policy, not for other vehicles. For other vehicles, you will need to either get them included or take out a separate policy.

Can I pay my taxi insurance monthly?

Most brokers are flexible when it comes to arranging payment terms. However, choosing monthly payments may include extra interest charges.

Is public liability insurance included?

Most taxi policies will include public liability as standard, but exceptions do exist, so check your policy wording. It can always be added or taken out as a separate item.

Is Taxi breakdown cover available as a standalone policy?

Yes, this can be bought as a separate policy or bundled into your taxi insurance policy.

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